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Revenue-Based Financing

Revenue Financing

Working capital based on your sales, not your collateral. Repay as a share of your revenue, so payments flex with your business. Decisions in hours and funding as soon as the next day.

Funding$5MUp to, from $5,000
Credit score570Minimum, as low as
Time in business6 moMinimum
Funding speed24 hrAfter you accept an offer
Uses

Capital for whatever the business needs

Revenue financing is unsecured working capital. No real estate or equipment pledged, and no restrictions on how you use it.

Working capital

Cover payroll, rent and day-to-day costs through slow seasons or growth spurts.

Inventory

Stock up ahead of busy season or take advantage of bulk pricing.

Equipment and repairs

Replace or fix equipment fast without waiting on a bank.

Marketing and growth

Fund a new campaign, location or product line.

Retail and restaurants

Businesses with steady card and bank deposits are a strong fit.

Time-sensitive needs

Funding in about a day when an opportunity or emergency will not wait.

Program terms

Revenue financing terms

The best terms available across our funding partners. Your offer depends on your monthly revenue, time in business, credit and the funder that fits your business.

Funding amount
$5,000 – $5,000,000
Minimum credit score
As low as 570
Time in business
6 months minimum
Annual revenue
$240,000 minimum (about $20,000 a month)
Term
4 to 18 months
Repayment
Daily or weekly remittance tied to your revenue
Collateral
None. Unsecured, no real estate or equipment required
Decision
In as little as 4 hours
Funding
About 24 hours after you accept an offer
Documents
Short application and recent business bank statements; no tax returns for most requests
Renewals
Additional funding available as you pay down your balance
Industries
Most industries, including retail, restaurants, construction, trucking, healthcare and services
How it works

From application to funding

Apply

A one-page application and your last few months of business bank statements.

Review your offer

See the amount, term and remittance schedule, usually the same day.

Get funded

Accept the offer and the money lands in your business account in about a day.

What you'll need

Documents checklist

  • Completed one-page application
  • Last 3 to 6 months of business bank statements
  • Driver's license for each owner
  • Business EIN and entity documents
  • Most recent merchant processing statements, if you take cards
  • Payoff letters for any existing advances
Example

How revenue-based repayment works

Remittances are a set share of your revenue, so a slow week means a smaller payment.

Remittance = your sales × the agreed percentage
Strong week: $25,000 in sales × 10%$2,500 Slow week: $12,000 in sales × 10%$1,200 Payment drops with sales−$1,300

Illustration only. The percentage, total repayment and remittance schedule are set in your funding agreement and vary by funder.

Common questions

Revenue financing FAQ

How is this different from a business loan?

Revenue financing is based on your future sales rather than collateral or tax returns. Approval leans on your bank deposits, which is why it moves faster and works for newer businesses. If you have two or more years in business and want a longer term, an SBA loan may cost less.

Can I qualify with bruised credit?

Often, yes. Our funding partners consider credit scores as low as 570, and steady revenue carries more weight than your score.

How fast can I get funded?

Decisions can come back in hours. Once you accept an offer, funds typically arrive in about one business day.

Do I need collateral?

No. Revenue financing is unsecured. Owners usually sign a performance guarantee.

Can I get more later?

Yes. Many funders offer renewals once you have paid down part of your balance.

Is this for personal use?

No. Revenue financing is for business purposes only.

Need working capital fast?

Send us a short application and your bank statements. We will match you with the funder that fits.

Get Started

Terms shown are the best available across Capital Lending Group's lending and funding partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, terms and eligibility vary by lender, property, market, experience, credit profile and state. Business-purpose financing only. All loans are subject to lender review and approval. Capital Lending Group, LLC is a loan broker, not the lender.